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e-Services > Virtual Assistant H A R O


Hang Seng Virtual Assistant H A R O possesses Artificial Intelligence and Natural Language Processing ability. It is capable of addressing customers’ enquiries for selected banking services, account enquiry, transfer and bill payment services 24x7.

Artificial Intelligence (AI) H A R O is empowered with Artificial Intelligence (AI) and is able to communicate with you in contextual conversations.
Natural Language Processing (NLP) H A R O possesses Natural Language Processing (NLP) ability to understand questions in Cantonese, English and even a combination of them.
Instant and 24x7 service H A R O is at your service 24x7, anytime and anywhere.
Understand your preferences H A R O provides you with the general information of various products and services at a glance, based on your preferences.
Instant calculation# H A R O supports instant calculation for Mortgage and Personal Loan to facilitate your financial planning.
Visualize your Account Balance H A R O transforms your Credit Card and Integrated Account balance into diagram and allows you to set up account balance reminder. It helps you to have a full picture on your account.
Conversational Transfer, Bill Payment and Credit Card Repayment

H A R O supports Faster Payment System, which provides a small-value transfer among the banks locally;

H A R O Payment helps you pay Utilities, Water Supplies Department, and Inland Revenue Department bills easily;

H A R O Repayment lets you pay the credit card bills.

#: Instant calculation covers Mortgage Affordable Loan Amount Calculator, Mortgage Monthly Repayment Amount Calculator, Personal Instalment Loan Calculator and Debt Consolidation Loan Calculator.

To borrow or not to borrow? Borrow only if you can repay!